ALL Candidates for New Jersey Pawnbroker Licensesare required to complete a fingerprinting process as a condition of securing a Pawnbroker license.

This requirement affects all new candidates for sole proprietorship Pawnbroker licenses as well as officers, directors, members, partners, and substantial stockholders of corporations, limited liability companies and partnerships seeking new business entity Pawnbroker licenses.

Sole proprietor candidates and officers, directors, members, partners and substantial stockholders should complete the fingerprinting process in sufficient time prior to the filing of an application in order to ensure that there is adequate processing time available before any anticipated date for commencement of licensed business.

Applications for licensure WILL NOT be accepted without a fully completed application, the appropriate application fee, and evidence of the completion of the fingerprinting process for the sole proprietor or company principals.

Evidence of completion of the fingerprinting process MUST include:

(1) a copy of the individual’s completed Universal Form (IDG_NJAPP_020115_V2); and

(2) a copy of the payment receipt issued by MorphoTrust, the fingerprint LiveScan vendor, at the time of completion of the LiveScan printing.

Candidates for Pawnbroker licensure – officers, directors, members, partners and substantial stockholders – who do not live, work or go to school in New Jersey OR who do not live, work or go to school within ten (10) miles of any of New Jersey’s borders MUST contact the Licensing Services Bureau, Banking in writing by fax at (609) 633-0822 or by e-mail at blicbc@dobi.state.nj.us to request information and forms for completing the fingerprinting process in their local jurisdictions.

New Jersey law requires that every applicant and any officer, director, partner or owner of a controlling interest of a corporation, limited liability company or partnership applying for a Pawnbroker license issued by the Division of Banking, New Jersey Department of Banking and Insurance must submit fingerprints and written consent for a criminal history record check. Previously, fingerprinting involved the manual ink and roll method; however new technology allows for electronic impressions.

To provide for a timely and efficient criminal history background review, the Department will be utilizing the State Police coordinated non-criminal justice fingerprinting process known as Live Scan. The State of New Jersey has contracted with a vendor, MorphoTrust, to perform this service. The company has established permanent sites throughout the State as well as several mobile units available to meet their contractual agreement.

How to Schedule an Appointment

Prior to contacting MorphoTrust, each candidate must complete the appropriate Universal Form (IDG_NJAPP_020115_V2) depending upon the license type they are seeking. YouMUST use the correct Universal Form in order for the results to be properly received by Licensing Services, Banking. Use ONLY the form linked from this page which identifies the type of license sought as “Pawn Brokers.”

Appointment scheduling is available via the Internet 24 hours per day, 7 days per week. The Department encourages everyone to schedule their appointment using the MorphoTrust web site to avoid telephone holding times.

For applicants who do not have internet access, appointments are available through the toll-free call center at 1-877-503-5981on a first call, first served basis Monday through Friday, 8 a.m. to 5 p.m. and Saturday, 8 a.m. to noon. Hearing impaired scheduling is available at 1-800-673-0353. English and Spanish operators are available through the Call Center.

Please note:

Make sure that you are completing the correct Universal Form(IDG_NJAPP_020115_V2)by identifying the license type in section #4 on the form.

Do NOT discard the Universal formas it will need to be presented at your scheduled appointment.

Processing Fee

All applicants must pay the criminal history record check fee directly to MorphoTrust. The total cost for this process is $65.45 (please note new fee). Payment will be required at the time of scheduling. The following forms of payment are accepted: Visa, MasterCard, prepaid debit cards, or electronic debit (ACH) from a checking account. (Money orders are no longer accepted
by MorphoTrust.)Payment instructions are relayed during the scheduling process, so please have an acceptable form of payment ready prior to contacting MorphoTrust.

Cancellation Fee

A fee of $10 is charged to cover the cost of a scheduled appointment for applicants who do not cancel by noon on the business day prior to your scheduled appointment (Saturday noon for Monday appointments). The $10 fee also applies to applicants who are turned away from the printing sites due to their inability to present proper ID or who fail to present the proper and current version of the Universal Fingerprint form. All refunds are issued by MorphoTrust.

Selecting the Proper Universal Form

The Division of Banking issues multiple license types that require fingerprinting. The proper Universal Form (IDG_NJAPP_020115_V2) must be completed for scheduling and presented at the appointment or you will be turned away from the scanning center and charged a $10 fee, as described above. Each license type is identified in field #4 of the Universal Form. You must use the Universal form where field #4 lists “Pawn Brokers." In addition, please be sure to use the most current version of the form.

Proper Identification

ACCEPTABLE ID REQUIREMENTS - ID MUST include Photo, Name, Address (Home/Employer) and Date of Birth. Acceptable ID MUST be issued by a Federal, State, County,
or Municipal entity for Identification purposes. Examples of acceptable ID are 1)
Valid Photo Driver's License or Valid Photo ID issued by any
State DMV or NJ MVC, 2) Passport. Acceptable ID MUST meet all of the underlined requirements above and MUSTbe present on one (1) ID. Combinations of documents are NOT acceptable. If acceptable ID is not presented you will not be fingerprinted.

PLEASE NOTE:

If you live,work or go to schoolin New Jersey you MUST be fingerprinted in person at one of the
MorphoTrust facilities.

If you do NOTlive, work or go to school in New Jersey and if you are NOT located within ten miles of one of New Jersey’s borders, you must contact the Licensing Services Bureau, Banking in writing by fax at (609) 633-0822 or by e-mail at blicbc@dobi.state.nj.us for appropriate information and forms for completion of the required fingerprinting.

Who needs to schedule a fingerprint scan for criminal history purposes as a condition of receiving a Division of Banking license?

All new applicants for New Jersey Banking business entity licenses which include any sole proprietor or individual who will serve as an officer, director, member, partner, manager or owner of a controlling interest of a corporation, limited liability company or partnership applying for a license to conduct business as a New Jersey Consumer Lender, Sales Finance Company, Check Casher, Money Transmitter, Foreign Money Transmitter, Pawnbroker, Residential Mortgage Lender, Correspondent Residential Mortgage Lender, or Residential Mortgage Broker business entity. Any new individual who will serve as an officer, director, member, partner, manager or owner of a controlling interest of a corporation, limited liability company or partnership that is an existing licensed New Jersey Consumer Lender, Sales Finance Company, Check Casher, Money Transmitter, Foreign Money Transmitter, Pawnbroker, Residential Mortgage Lender, Correspondent Residential Mortgage Lender or Residential Mortgage Broker.

All individuals to be employed by a licensed New Jersey Check Casher pursuant to the NJ Check Cashers Regulatory Act of 1993.

If an individual has been fingerprinted in the State of New Jersey for another purpose, is the individual required to go through the process again?

Yes. Regulations concerning dissemination of criminal history information prohibit its use outside the intended purpose. Federal and State security and privacy regulations dictate that dissemination of this information may only be for the purpose expressed in the form field identified as "Reason Fingerprinted." Sharing of criminal history information is therefore prohibited.

How do I begin the process?

The first step is to download the current version of the Universal Form (IDG_NJAPP_020115_V2). Following completion of the proper Universal Form, contact MorphoTrust, the LiveScan fingerprint vendor for New Jersey, to schedule an appointment. We strongly suggest that you use the MorphoTrust web site at www.bioapplicant.com/nj. Don't forget to have your credit card or money order ready when scheduling the appointment.

You must bring
to the scanning center photo identification. ID MUST include Photo, Name, Address (Home/Employer) and Date of Birth. Acceptable ID MUST be issued by a Federal, State, County,
or Municipal entity for Identification purposes. Examples of acceptable ID are 1)
Valid Photo Driver's License or Valid Photo ID issued by any
State DMV or NJ MVC, 2) Passport. Acceptable ID MUST meet all of the underlined requirements above and MUSTbe present on one (1) ID. Combinations of documents are NOT acceptable. If acceptable ID is not presented you will not be fingerprinted.

You must also bring a properly completed Universal Form(IDG_NJAPP_020115_V2).

When should I schedule the fingerprint scan?

The Department suggests that the following guidance be used in scheduling fingerprint scans for individuals who live, work or go to school in New JerseyOR live, work or go to school within ten (10) miles of any border of New Jersey:

Any individual who will serve as a sole proprietor or as an officer, director, member, partner, manager or owner of a controlling interest of a corporation, limited liability company or partnership applying for a license to conduct business as a New Jersey Consumer Lender, Sales Finance Company, Check Casher, Money Transmitter, Foreign Money Transmitter, or Pawnbroker business entity should schedule an appointment in sufficient time to have the fingerprint scan completed prior to the submission of the license application. All individuals to be employed by a licensed New Jersey Check Casher should schedule the fingerprint scan at the time of accepting such employment. Any individual who will serve as an officer, director, member, partner, manager or owner of a controlling interest of a corporation, limited liability company or partnership applying for a license to conduct business as a Residential Mortgage Lender, Correspondent Residential Mortgage Lender or Residential Mortgage Broker business entity should schedule an appointment in sufficient time to have the fingerprint scan completed within five days of the submission of a license filing through the Nationwide Mortgage Licensing System (“NMLS”).

Any individual in a category listed above who does NOT live, work or go to school in New Jersey OR live, work or go to school within ten (10) miles of any New Jersey border – see below for instructions on completing a fingerprint process.

What must I do to have my fingerprints processed if I do NOT live, work or go to school in New Jersey OR within ten (10) miles of any of New Jersey’s borders?

If you do NOT live, work or go to school in New Jersey ORif you do NOT live, work or go to school within ten (10) miles of any of New Jersey’s borders, you must contact the Licensing Services Bureau, Banking in writing by fax at (609) 633-0822 or by e-mail at blicbc@dobi.state.nj.us for appropriate information and forms for completion of the required fingerprinting. The written request MUST include the name and mailing address of the company as well as identification of the individuals who will need fingerprinting and a contact telephone number. NOTE: This process will include the use of “ink and roll” fingerprint cards that can be obtained ONLYthrough the Licensing Services Bureau, Banking, and that must be taken to the individual’s local police/state police jurisdiction for completion.

Individuals must follow the instructions in the letter they will receive from this Department regarding items to be returned.

IMPORTANT: The above process MUST be completed prior to the submission of a license application. Therefore, you MUST allow sufficient time for this process to be completed prior to the filing of an application as fingerprinting is now a condition of licensure. You are REMINDED that it is your responsibility to ensure that there is adequate processing time available before any anticipated date for commencement of licensed business.

OPRA is
a state law that was enacted to give the public greater access to government
records maintained by public agencies in New Jersey.

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